Checkout and Payments
A Checkout Shoppers in India Trust
Shoppers pay the way they like. The money goes to your own Razorpay account.


- UPI, cards, net banking and wallets through your own Razorpay account
- Guest checkout, or a shopper account with sign-in by a one-time code or Google
- Gift cards, store credit and rewards as ways to pay
- Discount codes and automatic offers worked out in the bag
- An order page where shoppers follow their order without signing in
Kosha is a demo store on Mercayo. Its products, orders and customers are sample data.
Every Feature in Checkout and Payments
Each page explains what it does, how it works step by step, its settings and its limits today.
Phone-First Checkout
One page that starts with the mobile number and the PIN code, fills in the city and state, shows clear errors and a price breakdown that adds up.
READ MOREOnline Payments
Shoppers pay by UPI, card, net banking or wallet through your own Razorpay account; Mercayo confirms every payment on its server and never holds your money.
READ MOREBag and Bag Drawer
A bag drawer and bag page with a free-delivery bar, the order note, discount codes, bundle progress, add-ons, a free gift picker and recently viewed products.
READ MOREDelivery Options at Checkout
When a PIN code has more than one delivery option, shoppers choose one at checkout, each with its price and the dates it should arrive.
READ MOREGift Options
Shoppers can mark an order as a gift, add a message for the packing slip, keep the cash amount off it, and ask for gift wrap at your price.
READ MOREQuick Checkout for Returning Shoppers
Signed-in shoppers find their details and saved addresses filled in, BUY NOW goes straight to checkout, and the mobile code can come first.
READ MOREThank-You Page
After the order: the number, what was paid and what is due in cash, what happens next, the address, cancel while allowed, and a gentle way back to the store.
READ MOREBot Protection
Limits on how often one address can place orders, ask for codes or search, plus an optional invisible bot check for guests before an order is placed.
READ MORE
How It Fits Together
- A Shopper OrdersOn your store, from a phone or a computer. Mobile number first; the PIN code fills in the city.
- PaymentOnline through your own Razorpay account, or cash on delivery after a one-time code.
- UPI
- Cards
- Cash on Delivery
- GST InvoiceMade for the order with CGST and SGST or IGST; a credit note if it is cancelled.
- CourierLabels and pickups with your Shiprocket account; tracking shows on the shopper's order page.
- DeliveredThe shopper can ask for a return or an exchange from the same order page.
- Paid to YouOnline payments settle from Razorpay to your bank. Mercayo takes no fee on your orders.
In the Product

Kosha is a demo store on Mercayo. Its products, orders and customers are sample data.
Try It on Your Own Store
Every feature is in every plan, free for 14 days.